KrisD15
Expert Alumni

Get your taxes done using TurboTax

Yes, you must say you did not have coverage since the coverage you had did not meet the rules for funding an HSA.

 

It doesn't matter who makes the contribution, you, your employer, it is all reported as if you made the contribution. 

The contributions are pre-tax, so if the amount is disallowed, as is the case for you, you must take the excess out as a non-qualifying distribution and pay tax on that amount.

 

 

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"